10 Tricks Proven to Save on Car Insurance Costs in Petersburg

Expensive car insurance can dwindle your personal savings and force you to prioritize other expenses. Comparison shopping is a great way to help make ends meet. Numerous battle for your business, and because of this it can be hard to compare and get the definite lowest rate

Don't pay full price with these ten discounts

Companies don't list every discount in an easy-to-find place, so we break down both the well known as well as the least known discounts you could be receiving. If they aren't giving you every credit you deserve, you're just leaving money on the table.

Government Employees - Simply working for the federal government may qualify you for a discount with a few car insurance companies.
Save with a New Car - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
Accident Free - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
Defensive Driving Course - Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
Multiple Policy Discount - When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
Distant Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Pay Upfront and Save - By paying your policy upfront rather than paying monthly you can actually save on your bill.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, car insurance companies aren't that generous.

For a list of insurance companies with the best car insurance discounts in Petersburg, click here.

Where Can I Get Cheap Petersburg Car Insurance?

Shopping for lower car insurance rates can be exhausting if you don't know the fastest way to get free quotes. You can waste hours talking to local insurance agents in Petersburg, or you could save time and use the web to get pricing more quickly.

Most car insurance companies take part in a program that enables customers to enter their policy data once, and every company returns a competitive quote for coverage. This prevents consumers from doing form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to using this type of form is that consumers can't choose the companies to get quotes from. If you wish to select specific insurance companies to request quotes from, we put together a list of car insurance companies in North Dakota. View list of North Dakota insurance companies.

However you get your quotes, make sure you use the exact same coverages with each company. If you use different limits and deductibles on each one it's not possible to make an equal comparison in Petersburg.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage for your personal vehicles, there is no "best" method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you might need professional guidance.

Do I have coverage for damage caused while driving under the influence?
Can I still get insurance after a DUI?
Are there companies who specialize in insuring high-risk drivers?
Should I rate my vehicle as pleasure use or commute?
What is the difference between comprehensive and collision coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered if I drive in a foreign country?

If you can't answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

And the best car insurance company is...

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Cheap car insurance is definitely available both online and with local Petersburg insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and these regional insurance providers work with independent agents.